Personalized plans for Chapter 13 cases

How Chapter 13 Bankruptcy Works

In a Chapter 13 Bankruptcy case, you propose a repayment plan that typically lasts three to five years. Monthly payments are made to a trustee, who distributes funds to creditors according to the plan.

Once the case is filed, the automatic stay generally stops collection actions, including foreclosure, wage garnishment, and creditor lawsuits.

Plan structure and feasibility are critical. A plan that is unrealistic can fail, even if Chapter 13 was the correct option.

Common Reasons to File Chapter 13 Bankruptcy

Chapter 13 Bankruptcy may be appropriate if you need to:

• Stop a foreclosure sale

• Catch up on missed mortgage payments over time

• Address tax debt

• Manage car loans or other secured obligations

• Protect assets that may not be fully exempt

Each case requires careful review of income, expenses, and obligations.

Is Chapter 13 Bankruptcy Right for You?

Every financial situation is different. The decision to file Chapter 13 Bankruptcy should be based on accurate information, realistic budgeting, and timing considerations.

A confidential consultation can help determine whether Chapter 13 Bankruptcy is the right solution and how to proceed responsibly.

Schedule a consultation to discuss your options.

Our Approach

At Tallerday Law, we focus on building Chapter 13 plans that align with your income, goals, and long term stability. We help you understand:

• What the plan requires

• How long it will last

• What happens if circumstances change

The goal is a plan you can complete, not one that looks good on paper.